Page 1 of 52
Florida Certified Adjuster Pre-Licensing Exam Newest
2025 Actual Exam| Real Exam Questions and Correct
answers (Verified Answers) Already Graded a+||
New!!
Jane has $150,000 homeowners policy with a 3% percentage
deductible. One night, In oven fire destroys her kitchen, causing
$50,000 in damage. How much of the damage falls under Janes
responsibility? .......ANSWR.......$4,500
Xavier owns a small insurance company. Recently the company
want to bid to ensure a new housing development in Omaha,
Nebraska. His company can handle any claims that arise, but if a
series of tornadoes were to tear through the area and destroy
the entire development, Xavier's company would suffer
financially. Which type of insure could help Xavier's company
protect itself the most from this potential loss? .......ANSWR.......A
re-insurer
,Page 2 of 52
Which of the following situations does NOT involve an instance of
"pure risk?" .......ANSWR.......Loss of money invested in the stock
market
Which of the following is an insurable risk? .......ANSWR.......A
football stadium
A lightning strike causes one of those storage buildings on John's
farm to burn to the ground, added by the fuel tanks he kept in
the building. John knows he wasn't supposed to store any fuel in
the building, so he kept that piece of information to himself when
he files a claim. John's ensure made and I his claim based on his:
.......ANSWR.......Concealment
Chain shed burned to the ground during a tornado, when the
Highwinds break a wall of the shed, knocking over a lantern
inside. What is the proximate cause of the loss?
.......ANSWR.......Wind
,Page 3 of 52
Kevin plays in a brass band using two rare antique Alexander
tubas. Since they are no longer produced, the value of the tubas
is difficult to determine. Which type of policy would best
indemnify Kevin in this event that his two boys were damaged,
lost, or stolen? .......ANSWR.......Agreed value policy
Which settlement option is most often use when the claimant
misses work because of a bodily injury, but a settlement has not
been reached? .......ANSWR.......Advance payment settlement
Adjuster Andy is trying to determine a final settlement amount
for Stacy's claim. Stacy's house was destroyed in a house fire
and it will cost $185,000 to rebuild it. Stacy's homeowner policy
has a limit of $178,000 and $1800 deductible. Typically, how
much would adjuster Andy calculate Stacy's final settlement
amount to be .......ANSWR.......$178,000
Stephanie is in the process of addressing George's auto claim.
Currently she is interviewing Shana, who witnessed George's
, Page 4 of 52
accident and stopped to help. In what stage of the claim process
is Stephanie currently working? .......ANSWR.......Investigation
If a claimant has a history of similar claims, that could mean:
.......ANSWR.......It is important to investigate for fraud
If an insurer is unwilling to pay what the claimant is asking, the
adjuster must: .......ANSWR.......Negotiate a settlement
An insurance adjuster acts as a fiduciary agent for her employer.
Which of the following statements is FALSE about the adjuster's
role as a fiduciary agent? .......ANSWR.......The adjuster may not
give the claimant materials showing how he came up with the
settlement amount
A staff adjuster is a: .......ANSWR.......Salaried employee working
for only one insurer
Marlene has been living in her $120,000 home for 31 years.
Because she has paid off the mortgage, she decides to save
some money on her monthly insurance premiums by reducing her
Florida Certified Adjuster Pre-Licensing Exam Newest
2025 Actual Exam| Real Exam Questions and Correct
answers (Verified Answers) Already Graded a+||
New!!
Jane has $150,000 homeowners policy with a 3% percentage
deductible. One night, In oven fire destroys her kitchen, causing
$50,000 in damage. How much of the damage falls under Janes
responsibility? .......ANSWR.......$4,500
Xavier owns a small insurance company. Recently the company
want to bid to ensure a new housing development in Omaha,
Nebraska. His company can handle any claims that arise, but if a
series of tornadoes were to tear through the area and destroy
the entire development, Xavier's company would suffer
financially. Which type of insure could help Xavier's company
protect itself the most from this potential loss? .......ANSWR.......A
re-insurer
,Page 2 of 52
Which of the following situations does NOT involve an instance of
"pure risk?" .......ANSWR.......Loss of money invested in the stock
market
Which of the following is an insurable risk? .......ANSWR.......A
football stadium
A lightning strike causes one of those storage buildings on John's
farm to burn to the ground, added by the fuel tanks he kept in
the building. John knows he wasn't supposed to store any fuel in
the building, so he kept that piece of information to himself when
he files a claim. John's ensure made and I his claim based on his:
.......ANSWR.......Concealment
Chain shed burned to the ground during a tornado, when the
Highwinds break a wall of the shed, knocking over a lantern
inside. What is the proximate cause of the loss?
.......ANSWR.......Wind
,Page 3 of 52
Kevin plays in a brass band using two rare antique Alexander
tubas. Since they are no longer produced, the value of the tubas
is difficult to determine. Which type of policy would best
indemnify Kevin in this event that his two boys were damaged,
lost, or stolen? .......ANSWR.......Agreed value policy
Which settlement option is most often use when the claimant
misses work because of a bodily injury, but a settlement has not
been reached? .......ANSWR.......Advance payment settlement
Adjuster Andy is trying to determine a final settlement amount
for Stacy's claim. Stacy's house was destroyed in a house fire
and it will cost $185,000 to rebuild it. Stacy's homeowner policy
has a limit of $178,000 and $1800 deductible. Typically, how
much would adjuster Andy calculate Stacy's final settlement
amount to be .......ANSWR.......$178,000
Stephanie is in the process of addressing George's auto claim.
Currently she is interviewing Shana, who witnessed George's
, Page 4 of 52
accident and stopped to help. In what stage of the claim process
is Stephanie currently working? .......ANSWR.......Investigation
If a claimant has a history of similar claims, that could mean:
.......ANSWR.......It is important to investigate for fraud
If an insurer is unwilling to pay what the claimant is asking, the
adjuster must: .......ANSWR.......Negotiate a settlement
An insurance adjuster acts as a fiduciary agent for her employer.
Which of the following statements is FALSE about the adjuster's
role as a fiduciary agent? .......ANSWR.......The adjuster may not
give the claimant materials showing how he came up with the
settlement amount
A staff adjuster is a: .......ANSWR.......Salaried employee working
for only one insurer
Marlene has been living in her $120,000 home for 31 years.
Because she has paid off the mortgage, she decides to save
some money on her monthly insurance premiums by reducing her
